<?xml version="1.0" encoding="UTF-8"?>
<!-- Site Growth wave 2 (built 7 October 2026).  Every address is the canonical address of a page in
     includes/page-meta.cfm (title sheet of 3 October 2026 with Robert's wave 2 answers of 7 October 2026), plus the eight
     partner pages.  Section pages use the short folder address (Q2).  Never a redirect, a noindex page or a merged page.
     No priority or changefreq (Google ignores them).  No lastmod yet: a wrong date is worse than none. -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://fidresi.com/</loc></url>  <!-- row 1 -->
  <url><loc>https://fidresi.com/purchase/</loc></url>  <!-- row 2 -->
  <url><loc>https://fidresi.com/refinance/</loc></url>  <!-- row 3 -->
  <url><loc>https://fidresi.com/cash-out-refinance/</loc></url>  <!-- row 4 -->
  <url><loc>https://fidresi.com/quote-v2/</loc></url>  <!-- row 5 -->
  <url><loc>https://fidresi.com/aboutus/</loc></url>  <!-- row 8 -->
  <url><loc>https://fidresi.com/aboutus/reviews/</loc></url>  <!-- row 11 -->
  <url><loc>https://fidresi.com/aboutus/overview/</loc></url>  <!-- 10 Oct 2026: was /aboutus/about_index.cfm (title sheet row 10); clean address approved by Robert -->
  <url><loc>https://fidresi.com/aboutus/company/</loc></url>  <!-- 10 Oct 2026: was /aboutus/company.cfm (title sheet row 9); clean address approved by Robert -->
  <url><loc>https://fidresi.com/contact/</loc></url>  <!-- row 12 -->
  <url><loc>https://fidresi.com/loan-options/</loc></url>  <!-- row 14 -->
  <url><loc>https://fidresi.com/fixed-rate-mortgages/</loc></url>  <!-- row 15 -->
  <url><loc>https://fidresi.com/adjustable-rate-mortgages/</loc></url>  <!-- row 16 -->
  <url><loc>https://fidresi.com/fha-loans/</loc></url>  <!-- row 17 -->
  <url><loc>https://fidresi.com/va-loans/</loc></url>  <!-- row 18 -->
  <url><loc>https://fidresi.com/usda-loans/</loc></url>  <!-- row 19 -->
  <url><loc>https://fidresi.com/jumbo-loans/</loc></url>  <!-- row 20 -->
  <url><loc>https://fidresi.com/renovation-loans/</loc></url>  <!-- Phase 3 batch 1, new page (draft meta) -->
  <url><loc>https://fidresi.com/down-payment-assistance/</loc></url>  <!-- Phase 3 batch 1, new page (draft meta) -->
  <url><loc>https://fidresi.com/portfolio-arm/</loc></url>  <!-- Phase 3 batch 2, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/</loc></url>  <!-- Guides and Tips index, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/firsthome/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/math/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/dscr/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/payoff/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/selfemployed/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/prequal/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/afford/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/refitruth/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/decode/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/addback/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/doors/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/asset/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/binder/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/realtor1099/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/global/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/interestonly/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/prepay/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/llc/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/fastcash/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/visa/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/benefit/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/flip/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/car/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/mi/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/closing/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/guides/ladder/</loc></url>  <!-- Guides and Tips, new page (draft meta) -->
  <url><loc>https://fidresi.com/bank-statement-loans/</loc></url>  <!-- row 21 -->
  <url><loc>https://fidresi.com/asset-based-loans/</loc></url>  <!-- row 22 -->
  <url><loc>https://fidresi.com/alternative-documentation-loans/</loc></url>  <!-- row 23 -->
  <url><loc>https://fidresi.com/investment-property-loans/</loc></url>  <!-- row 24 -->
  <url><loc>https://fidresi.com/construction-loans/</loc></url>  <!-- row 25 -->
  <url><loc>https://fidresi.com/commercial-loans/</loc></url>  <!-- row 26 -->
  <url><loc>https://fidresi.com/dscr-loans/</loc></url>  <!-- row 31 (Q5) -->
  <url><loc>https://fidresi.com/fix-and-flip-loans/</loc></url>  <!-- row 32 -->
  <url><loc>https://fidresi.com/loanoption/borrower_guide.cfm</loc></url>  <!-- row 33 (Q5) -->
  <url><loc>https://fidresi.com/resources/</loc></url>  <!-- row 41 -->
  <url><loc>https://fidresi.com/resources/mortgage-glossary/</loc></url>  <!-- row 42 -->
  <url><loc>https://fidresi.com/resources/mortgage-process/</loc></url>  <!-- row 43 -->
  <url><loc>https://fidresi.com/resources/steps-to-buying-a-home/</loc></url>  <!-- row 44 -->
  <url><loc>https://fidresi.com/resources/home-buying-mistakes/</loc></url>  <!-- row 45 -->
  <url><loc>https://fidresi.com/resources/understanding-your-credit-score/</loc></url>  <!-- row 46 (Q4) -->
  <url><loc>https://fidresi.com/resources/mortgage-documents-checklist/</loc></url>  <!-- row 48 -->
  <url><loc>https://fidresi.com/resources/choosing-a-loan-program/</loc></url>  <!-- Phase 3 batch 4: merged page (approved title 8 Oct 2026) -->
  <url><loc>https://fidresi.com/resources/guide-to-closing/</loc></url>  <!-- Phase 3 batch 4: merged page (approved title 8 Oct 2026) -->
  <url><loc>https://fidresi.com/resources/improve-your-credit/</loc></url>  <!-- row 49 -->
  <url><loc>https://fidresi.com/resources/mortgage-tips/</loc></url>  <!-- row 53 -->
  <url><loc>https://fidresi.com/calculator/</loc></url>  <!-- row 61 -->
  <url><loc>https://fidresi.com/calculator/mortgage-payment/</loc></url>  <!-- row 62 -->
  <url><loc>https://fidresi.com/calculator/loan-comparison/</loc></url>  <!-- row 63 -->
  <url><loc>https://fidresi.com/calculator/refinance/</loc></url>  <!-- row 64 -->
  <url><loc>https://fidresi.com/calculator/early-payoff/</loc></url>  <!-- row 65 -->
  <url><loc>https://fidresi.com/markets/</loc></url>  <!-- row 66 -->
  <url><loc>https://fidresi.com/insights/</loc></url>  <!-- Phase 3 batch 4: blog index (draft meta); posts added later -->
  <url><loc>https://fidresi.com/aboutus/robert-shamie/</loc></url>  <!-- Phase 3 batch 4: author page (draft meta) -->
  <url><loc>https://fidresi.com/privacy/</loc></url>  <!-- row 70 -->
  <url><loc>https://fidresi.com/policies/rate-lock/</loc></url>  <!-- row 72 -->
  <url><loc>https://fidresi.com/faq/</loc></url>  <!-- row 75 (Q3) -->
  <url><loc>https://fidresi.com/partners/</loc></url>  <!-- row 77 -->
  <url><loc>https://fidresi.com/realtors/</loc></url>  <!-- row 78 -->
  <url><loc>https://fidresi.com/attorneys/</loc></url>  <!-- row 79 -->
  <url><loc>https://fidresi.com/cpas/</loc></url>  <!-- row 80 -->
  <url><loc>https://fidresi.com/financial-planners/</loc></url>  <!-- row 81 -->
  <url><loc>https://fidresi.com/insurance-agents/</loc></url>  <!-- row 82 -->
  <url><loc>https://fidresi.com/stockbrokers/</loc></url>  <!-- row 83 -->
  <url><loc>https://fidresi.com/real-estate-investors/</loc></url>  <!-- row 84 -->
  <url><loc>https://fidresi.com/aboutus/company-facts/</loc></url>  <!-- Phase 4: company facts page (draft meta) -->
  <url><loc>https://fidresi.com/insights/bank-statements-1099-or-assets/</loc><lastmod>2026-10-09</lastmod></url>
  <url><loc>https://fidresi.com/insights/down-payment-assistance-myths/</loc><lastmod>2026-10-09</lastmod></url>
  <url><loc>https://fidresi.com/insights/dscr-loans-explained/</loc><lastmod>2026-10-09</lastmod></url>
  <url><loc>https://fidresi.com/insights/five-to-ten-units-and-mixed-use/</loc><lastmod>2026-10-09</lastmod></url>
  <url><loc>https://fidresi.com/insights/forgivable-vs-repayable-down-payment-assistance/</loc><lastmod>2026-10-09</lastmod></url>
  <url><loc>https://fidresi.com/insights/how-down-payment-assistance-works/</loc><lastmod>2026-10-09</lastmod></url>
  <url><loc>https://fidresi.com/insights/llc-rental-loans-business-purpose/</loc><lastmod>2026-10-09</lastmod></url>
  <url><loc>https://fidresi.com/insights/self-employed-mortgage-documents/</loc><lastmod>2026-10-09</lastmod></url>
  <url><loc>https://fidresi.com/insights/what-moves-mortgage-rates/</loc><lastmod>2026-10-09</lastmod></url>
  <url><loc>https://fidresi.com/insights/what-the-fed-does-to-mortgage-rates/</loc><lastmod>2026-10-09</lastmod></url>
</urlset>
